- 80,000 extra Reward Points on your new ANZ Rewards Black credit card when you spend $2,000 on eligible purchases in the first 3 months
- $0 annual fee in the first year
- Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period
- Earn 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period
- Uncapped ANZ Reward Points
- Redeem points for flights, merchandise, gift cards, cash back and more
- Access to exclusive cashback offers with Cashrewards Max
- Complimentary International and Domestic Travel Insurance
- Rental Vehicle Excess in Australia Insurance, Extended Warranty Insurance, and Purchase Protection Insurance
- Up to 9 additional card holders
- Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay
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ANZ Credit Cards
ANZ Rewards Black Credit Card
Updated 2 May 2022
If you're looking for a higher end rewards card, the ANZ Rewards Black has many features that give you the opportunity to earn a huge variety of rewards. It currently offers 80,000 extra Reward Points when you spend $2,000 on eligible purchases in the first 3 months. Plus, you can save $375 on card costs with its $0 annual fee in the first year offer.
New cards only. T&Cs, eligibility criteria, fees & charges apply (including annual fee, currently $0 for first year, $375 thereafter).
Points Earn Rate (per $1 spent)
2 points
Capped at $5000, then 1 pt per $1 spent
Rewards Program
ANZ Rewards
Bonus Points
80,000 pts
Spend $2,000 in first 3 months
Pros and cons
- Each additional card holder costs $65 annually
- Standard $375 annual fee
Creditcard.com.au review
Editor Review
ANZ Rewards Black Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The ANZ Rewards Black Credit Card with 80,000 extra Reward Points
If you love being rewarded – and if you especially enjoy treating yourself to prestige perks – the ANZ Rewards Black card could well be worth a closer look. Designed to offer higher points earning power than standard rewards cards, this high-end option has plenty going for it.
From its awesome travel-related benefits to its excellent introductory extra Reward Points offer, this card can give you it all. But is it right for you? Let’s find out.
What we love...
When talking about the features we love on the ANZ Rewards Black card, it’s hard to go past the introductory extra Reward Points offer. How does it work exactly? After you spend $2,000 on eligible purchases on your new card within three months of card approval, you will be rewarded with 80,000 extra Reward Points to spend as you like. The extra Reward Points will be credited to your ANZ account within 3 months of the eligible spend criteria being met.
As part of the ANZ Rewards Program, these points can be redeemed on a huge range of items, on anything from travel and entertainment, to gift cards, cash back and more. And if you don’t have enough points to cover the item you want, simply make up the difference in cash.
Additionally, you could redeem the 80,000 extra Reward Points for $350 Gift Card from Bunnings, Woolworths, Myer, David Jones, JB HiFi, Coles or Kmart.
Love travel? Choosing the ANZ Rewards Program can be a great choice for cardholders who want to earn points on travel, but who don’t want to be tied down to a particular airline. With ANZ Rewards, you can choose to fly with any airline to any destination, whenever you want to travel.
To top it all off, this card waives its annual fee for the first year- giving you an opportunity to pocket a whopping $375 savings on card costs. This is a perfect opportunity for new cardholders to enjoy all the awesome features and benefits this card has to offer without spending a hefty amount on card fees.
What’s not so great...
When it comes to cards packed with features and offers, there is always small print to pay attention to. With the ANZ Rewards Black card, it’s worth bearing in mind the ample annual fee you’ll pay after the first year, as well as the relatively high rates of interest on purchases and cash advances.
And while the card does allow for up to nine additional cardholders – which can provide a handy way to earn points faster – each additional cardholder will cost $65 per year.
Why should you choose this card?
While the introductory offers certainly provide lots to love, you may also quite enjoy the other features the ANZ Rewards Black card has to offer.
In terms of points earning potential, the card lets you earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, and 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
As a cardholder, you can also enjoy access to cashback offers when you shop with your eligible ANZ card through Cashrewards Max at participating retailers. To join, simply sign up online for free and link your ANZ Rewards Black credit card. The cashback you earn will appear in your Cashrewards account and you can choose when you claim the cashback and how you use it.
The card also comes with a range of complimentary insurance covers - International Travel Insurance, Domestic Travel Insurance, Rental Vehicle Excess in Australia Insurance, Extended Warranty Insurance, and Purchase Protection Insurance.
On top of that, it provides up to 55 days interest-free on purchases, and compatibility with Apple Pay®, Google Pay™ and Samsung Pay™.
Overall Rating
A high-end rewards card with a fantastic earn rate on the ANZ Rewards Program, excellent features and introductory offers that include 80,000 extra Reward Points and $0 annual fee for the first year.
User reviews
Rates and fees
Interest rates
Purchase rate 20.24% p.a.
Cash advance rate 21.24% p.a.
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limit $15,000
Maximum credit limit N/A
Fees & repayments
Annual fee $375 p.a.
Additional cardholder fee Up to 9 at $65 p.a. each
Foreign transaction fee 3%
Minimum repayment 2% or $25, whichever is greater
Annual fee the first year $0
Cash advance fee Consumer: 3% (in Australia); 3% of the amount or $4, whichever is greater (for overseas); Commercial: 1.50% or $1.50 whichever is greater
Late payment fee $20
Rewards and points
Rewards program
Rewards Program 
ANZ Rewards
Bonus points 80,000 points
Annual points cap uncapped
Bonus points spend criteria Spend $2,000 in first 3 months
Earning points with this card
ANZ Rewards points 2 points per $1 spent
Points cap per month Capped at $5000, then 1 pt per $1 spent
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 6 consecutive months
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance Yes
Extras
Domestic Travel Insurance
Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay
Overview
ANZ Rewards Black Credit Card
This card offers a range of travel perks and more points earning power to help you reach the rewards you want quicker. Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period and 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
Points can be redeemed for hundreds of different rewards, including merchandise, travel, shopping vouchers, and gift cards. If you don’t have enough points for the reward you want, you can simply make up the difference with cash. This premium card will also give you access to complimentary international and domestic travel insurance.
Key features
- 80,000 extra Reward Points when you spend $2,000 on eligible purchases in the first 3 months.
- $0 annual fee in the first year, $375 p.a. thereafter
- Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period
- Earn 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
- Uncapped ANZ Reward Points
- Redeem points for flights, merchandise, gift cards, cash back and more
- Access to exclusive cashback offers with Cashrewards Max
- Complimentary International and Domestic Travel Insurance
- Rental Vehicle Excess in Australia Insurance, Extended Warranty Insurance, and Purchase Protection Insurance
- Up to 9 additional card holders
- Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask a our credit card expert a question.
Ask a question78 questions (showing the latest 10 Q&As)
Hi This card have offer the primary no annual fee for 1st year . How is the secondary card in the 1 st year ? thank you Jason
Hi Jason, we checked the ANZ Rewards Black card’s terms and it does not say that the first year for additional cardholders is free or zero. However, it states that the $65 annual fee already includes the $10 fee for the additional card and $55 Rewards Program membership. These fees are for every card added, up to 9. You can check ANZ’s official terms and conditions PDF for more details.
I am currently a secondary cardholder for my wife's ANZ Rewards card. Do you know if I can apply for a card in my name if I will qualify for the 1st year free and bonus points? Is it possible/feasible to transfer points from my wife's card to mine? Trying to figure out if it's worth the hassle to open a new card to avoid annual fee for a year, which we've only just had to start paying due to changes in home loan.
Hi Trev, as you are a secondary cardholder any spending done by you is the responsibility of the primary cardholder to pay back. If you haven’t been the primary account holder on any of the ANZ Rewards cards in the market in the last 12 months and meet all other offer eligibility criteria, then you should be able to take advantage of the points offer. It turns out that ANZ have this form on their website that is for transferring points between family members. Keep in mind the ANZ Rewards Black only has a $0 annual fee for the first year and then it goes up to $375 p.a.
Hi, I applied for an ANZ Black visa on the 27th January and recieved confirmation. when I signed up the special offer was 180000 points but now I see it is 80000 points, Which one is applicable?
Hi Jenny, this will depend on when your application was submitted and approved. You’ll need to call ANZ on 13 13 14, as they will only have access to your files.
Hi, if I use ANZ reward black creditcard to pay for my council rate, electricity and water rate, do I still get reward point?
Hi, sorry to bear bad news, but I checked ANZ terms and it states that reward points will not be earned for payments for rate notices. There are other cards though, like American Express, that have a points earning feature at government entities at a lower rate. You can use our comparison tool to see how many points you might earn, and check out a range of credit cards that earn rewards on government payments.
Hi I currently have an ANZ Rewards Platinum credit card account, does this exclude me from being a new customer for an ANZ Rewards Black credit card account and receiving the Bonus Points?
Hi Tina, I checked on ANZ’s terms and it states that the offer is not available to those who currently have or have held ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures, or ANZ Rewards Black credit card in the past 12 months. You can check our comparison tool if you are interested in other cards that offer bonus points.
Hi, Pauline, if I do Bpay to pay my Plumber with this card, does this count towards to 180000 points? Plumber chargers 1.5% for credit card payment. Thanks is advance.
Hi Si, if you’re paying your plumber with the BPAY option this may be processed as a cash transaction and earn no points. However, if your plumber does take “credit card” then you might earn points for the transaction. This entirely depends on the way your plumber has set up his payments system. If it is in fact BPAY only, check out our guide to BPAY and credit cards. Happy points hunting!
I just moved into AU. I am the costumer of ANZ Private Of New Zealand, Can I apply this card?
Hi Eddye, welcome to Australia! ANZ New Zealand and ANZ Australia will have different credit criteria to apply. With a new credit enquiry to ANZ Australia, this will need to go through ANZ Australia. If you’d like to chat to an ANZ representative, you can call them on 13 13 14. Let us know how you go!
Will every purchase made on the card (eg groceries, rent, fuel etc) be eligible for QANTAS points? Just wanna get a handle on the "eligible purchases"
Hi AJ, there’s no specific list of what transactions the bank will tag as ‘eligible’. However, ANZ’s terms indicate that transactions like interest charges, fees, cash advances, or any cash equivalent transactions are considered ‘not eligible’. You can check out our guide on how to earn points with your rent to learn more.
Are ANZ Rewards points different to ANZ Frequent Flier points? Also, is there a minimum period on these cards? (I.e. can I cancel before one year is up)
Hi Andrew, good question! Both are 2 different rewards/loyalty programs - ANZ’s very own Rewards program, and the Qantas Frequent Flyer program that ANZ’s partnered with. You earn points on either and the number of points you earn depends on what transaction/s you make and for which rewards program. We’ve written complete guides on ANZ’s Rewards program and Qantas Frequent Flyer that you can check for more information.
Hi, How long will approval take? when does the travel insurance commence, Approval/Card Activation? can you share more details on the included travel insurance product
Hi Evan, the approval process actually depends on several factors like credit-worthiness, income, debt serviceability, documents submitted, etc. Banks also have other criteria that are not published that they may require as well. As for the travel insurance, the period coverage starts from the date shown on your international travel ticket up to 6 months from date of departure. Please note that you need to meet their insurance eligibility criteria first in order to be covered. You can check ANZ’s insurance T&Cs for more information. Safe travels!
Does this card include qantas frequent flyer?
Hi Tricia, ANZ Rewards Black credit card lets you earn points in the ANZ Rewards program. The ANZ Rewards points can be transferred to Velocity, KrisFlyer, Asia Miles or Airpoints. ANZ has other cards that are linked to the Qantas Frequent Flyer program that you can check out. These are the ANZ Frequent Flyer Black Credit Card and ANZ Frequent Flyer Platinum Credit Card. If these aren’t what you want, you can also compare other Qantas Frequent Flyer cards for a wide range of options. Happy points collecting!
ANZ Rewards Black Credit Card The 180k points, are these Qantas FF points ?
Hi Daniel, the bonus points attached to this card are ANZ Rewards points. In turn you can only redeem ANZ Rewards Points to Velocity, KrisFlyer, Asia Miles or Airpoints. If you are looking to get an ANZ credit card that earns Qantas points, you can check out their other cards that allow you to do this - ANZ Frequent Flyer Black Credit Card and ANZ Frequent Flyer Platinum Credit Card. If they don’t appeal to you, you can also check out other Qantas Frequent Flyer cards.
hey looking to get a credit card. need suggestion
Hi Navneet, you’ve come to the right place as we are a credit card comparison site. Though we can’t suggest one card over another, there certainly are a lot of cards with different offers. Depending on what you’re looking to use the card for, whether it be rewards or everyday spending, it’s best to check our comparison tools for the list of credit cards we have curated to see what suits you best. It’s also very important to check the card’s eligibility criteria and its TMDs before proceeding with your application. Happy card hunting!
Hi Can you please tell me the ANZ rewards points is the same with Qantas point?
Hi Hue, ANZ Rewards points are different from Qantas points from different programs. To add to that you can’t transfer ANZ points to Qantas, only to Velocity, KrisFlyer, Asia Miles and Airpoints. If you are however looking to directly earn Qantas points, you can check out the different Qantas Frequent Flyer cards we have listed for your options. Hope this has helped!
Complimentary international travel insurance is it only 1st 6 month when card is issued.
Hi Mitul, we dug this for you and found that the period cover for the international travel insurance begins on the date you become eligible and covers you for up to six consecutive months of your trip. Please keep in mind that you first need to make sure that you meet the insurance eligibility set out in the ANZ premium cards insurance guide. There’s a few hurdles to jump to have it activated so check the guide carefully.
Do I still eligible to receive 180000 pts if I used the same offer previously (i.e I received the 180000 pts and later I closed the credit card account).?
Hi Mousa, we checked the ANZ Rewards Black credit cards terms and if you closed your card less than 12 months ago you will miss out. But, if it was more than 12 months the offer is available to new and approved applicants.
Is 1 reward point = 1 qantas frequent flyer point?
Hi Alex, sadly no. ANZ Rewards points can’t be transferred to Qantas. ANZ Rewards points can only be transferred to Singapore Airlines KrisFlyer, Velocity Points, Cathay Pacific Asia Miles and Air New Zealand Airpoints Dollars. You could technically transfer to Cathay Pacific and then to Qantas, but the inherit value would be lost there. If you’re still looking for a black ANZ card that earns Qantas points directly you could check out the ANZ Frequent Flyer Black Credit Card.
If I sign up, are the bonus points credited to my account immediately after the spending $2000 on eligible purchases? What do eligible purchases include? What can I use the bonus reward points for?
Hi Pete, the bonus rewards points will be credited to your ANZ account within 3 months once you hit the required spend. Eligible purchases are what you’d spend in your everyday life. So for example your groceries, dinner and entertainment. It doesn’t include cash advances, interest charges or gambling transactions to name a few. Full exclusions are listed on the ANZ site. As for redemption of points, you can redeem them for a wide range of gift cards, cashback on your statement or transfer to airline partners for travel. Here's a guide to the ANZ rewards program that you can browse to find out the full details of the program..
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3 January 2022Fantastic deal if you know how to use it correctly!
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